Oscar Health Reviews 

Not impressed. Have had them for several years and it seems all their calls go through the Philippians and the agents just feel it is okay to transfer you to someone else without telling you first.
I called today for about the 5th time regarding getting an Excellent Provider added to their list of providers and it is like the right hand does not know what the left hand is doing. That was certainly a waste of my time and I do not appreciate that!

I had them from June 2025 changed from blue cross blue shield and was decent with weekly calls with rep just to check in resources. It was a decent deductible back in June 2025 in enrollment but then renewals came -- it doubled. I had a rep who was great, but based upon what I found externally I could something more economically. At the time Oscar actually doubled and gave them every opportunity to try to find more quotes. I ended up going with another insurance company and saved a ton of money.

Making the user take tests that aren't needed. Slow response time.

The worst experience ever!!!! It’s impossible to find a care facility that accepts this insurance, and you’re forced to receive care over the phone. The “doctors” are rude and hang up on you if you ask too many questions or take too much of their time. I’m seeking immediate and urgent care and keep being denied the opportunity to be seen. It’s also impossible to cancel the insurance plan, even though you’re unable to use it anywhere. So frustrating! Medical care should be a right, not a privilege, and everyone should have the opportunity to be well. The doctors and staff don’t care about patients, and not knowledge, and ultimately just make the burden of needing medical care even more of a displeasure. I wish I never signed up for this scam of a company. I’d be better off self-paying to go to urgent care, instead of paying monthly for “insurance” that I can’t use.

They will denied everything even if you go see one doctor out of paying a whole year, They only are good for yearly checkup that it! They denied Any Ultra sounds, Hamroid, Liver and gallbladder problems they'll denied paying They want you to pay the full deductible 7,500 before they cover anything. Why have health insurance if they do not pay anything

I know a lot of people would disagree with me, judging by the reviews, but Oscar has been the best insurance company I’ve ever had. I have a rare muscular disease called CIDP. Prior to Oscar I had another insurance company through marketplace health insurance and I couldn’t tell you how horrible they were. Impossible to get on the phone, impossible to get them to approve anything, just a mess. On a whim I switched to Oscar the following year when I re-signed up through healthcare.gov. I couldn’t tell you how many times I’ve called Oscar and their customer service has gone above and beyond staying on the phone for hours while they call my different clinics and Infusion Center to get a problem fixed. They always get it fixed every single time. Recently, I had a hang up on getting my medication and when I called Oscar, they said “you’re all good from our end we approved your medication for a fiscal year. I knew it wasn’t them because they always approve my expensive medication. Keep in mind my medication cost $16,742 per dose per week on a wholesale market. That’s almost $1 million a year. Oscar has never given me trouble. They did change one policy at the beginning of the year, which made me have to seek a new “ letter of necessity” to show that I’m still sick which I thought was kind of silly because I have a chronic disease that doesn’t go away, but really all that required was that I went to my Nueromuscular Center and had a quick evaluation done. That was on a Friday and the following Monday. My medication was reapproved no problem. I wish I could explain better how much the customer service has helped me but one woman in particular went so far above and beyond to get a difficult problem solved and I’m so grateful to her. Oscar has done a great job in my case and I can only speak for myself, but I never thought I would praise a health insurance company. i’ve had them since January 2022 and as long as they’re around, they will remain my insurance company.

It has been a horrific experience! An insurance agent enrolled my husband without his consent or knowledge twice in 2024. He had Medicare and my employer insurance for his supplemental at the time. We only found out about the fraudulent enrollment when we tried to file our income tax return and our accountant informed us we had to pay thousands of dollars for the Marketplace insurance. I called Marketplace and Marketplace said that OSCAR had to state it was fraud so that we could be issued a voided 1095-A form. After many months and numerous hours on the telephone, OSCAR removed one of the enrollments, but refused to void the other because unbeknownst to us, my husband picked up a medication and CVS processed a claim. Additionally, OSCAR has an incorrect social security number for my husband. It is also illegal to have Marketplace insurance when you have Medicare. We should not have to pay thousands of dollars to the IRS because of a crooked insurance agent!

If I could give a 0, I would. This is my first year with Oscar. It's already the worst insurance I've had with my employer in 24 years. They take unreasonable amounts of time to review claims, and have denied or try to deny everything my doctor has tried to prescribe this year. Been trying to get a CPAP machine for (3) months now, and still fighting them for it, despite sleep lab results overwhelming showing that I have sleep apnea.

I just had another five-star customer experience with Oscar’s customer service, Jackeline. Since my plan started back in January, I spoke to about four or five of them, and each one was very pleasant and knowledgeable! As per Oscar, I’ve been having no issues getting my claims approved, and I’ve had an MRI of the brain, pelvic ultrasound, x-rays, physical therapies, at-home sleep study, etc with no issues.

I would give 0 stars if possible. I had to get Oscar to (partially) cover one of my medications. I was paying $25 a month, on top of the $285 for my actual insurance. Then, after collecting the $25 from me this month, they sent me a bill saying that next month I have to pay over $580! No notice or anything, and they claim that they can't terminate the policy, but I had to through Marketplace. It's not my main insurance and isn't listed on Marketplace. Instead of helping me, even a little bit, they just respond that I have to do it. HOW??? This isn't an insurance company. It's a scam against the disabled! Stay away from this "company"! They do nothing but take your money and won't even help you.

I’m extremely disappointed in Oscar Health. Months after receiving physical therapy while insured through Oscar, I was suddenly hit with a bill for $3,003.76 — with zero warning and no explanation of any denied claims.

At no point did I receive a formal denial notice or Explanation of Benefits detailing what was rejected, why, or what my appeal rights were. I’ve now spent over two hours on the phone trying to get basic answers that should have been communicated clearly and proactively.

The representative I spoke to said the issue is being “looked into” and that I won’t hear back for at least two weeks. That’s unacceptable when your system failed to notify me in the first place.

Oscar, this is not how you treat your members. If you want to be taken seriously as a health insurance provider, start with transparency and take ownership when things go wrong. I'm still waiting for a proper explanation and resolution.

A waste to say the least. The app never works, recommends doctors that are not only out of city, but out of state. Recommends doctors and says they can do procedures even though they aren’t covered. For example, my father has blood clots he was supposed to get viewed today, only to find out the scan needed isn’t covered after confirming it was weeks prior. It’s a disgusting scam.

Buyer beware. This insurance is cheap for monthly payments but you end up paying out of pocket for many things, especially perscritions. I checked my prescriptions before signing up and many said pre-authorization was required, and that it may require a step plan but there is NO explanation of what is involved. To get a pre-auth on a medication, your doctor has to prove other options, cheaper options, failed. You become a guinea pig for medications that you have avoided for logical reasons, such as potential side effects, dangerous interactions, etc. When I tried to get an explanation on one medicine that was denied due to no pre-auth, I was told they could not give any information to me, just my provider. when I explained i had been on this medication for over 18 months, I was told nothing could be done.When I explained in order to go off this medication I would require a lower dose, I was still denied. So I can't be on it or step down without paying out of pocket. I recently had to discontinue one medication and am now stuck making decisions on others that have SERIOUS and scary side effects. They only care about the cost. No matter how much my doctor explains my diagnosis, they continue to only approve drugs that I cannot risk. They even suggest drugs that are not intended to treat my disorder! I have never felt so anxious about my own health as I do with this insurance. Now, my children are getting questioned on their medications too. Terrifying that people who do not know you, your symptoms, or who think they are smarter than doctors are in charge of decisions about your health. Side note, I did send a lengthy letter to Oscar and am awaiting some recognition it has been received.

It was quite a bad experience. We needed a T2 Apartment moved and the people who accepted the job had a small truck, not big enough. I was unable to talk to anyone on the app and therefore I was still charged, even though no one ever even came. I am still waiting to be reimbursed.

It is good price wise but not good in customer service at all. They don’t have true information about companies and don’t use Oscar’s insurance anymore

As an immigrant I've always been afraid or skeptical about medical care. Oscar Health changed my mind completely. They've been so good to me. They pay for lab work, doctor's visits, medication, and have so many resources. I suffer from depression and anxiety and thanks to Oscar health I'm finally getting the medical aid I need. The best part is that it's no cost to me.

This insurance doesn't work at all. Is the most MEDIOCRE AND WORST insurance and representatives/workers they have. Don't become a member just because is cheap than other insurance. JUST GIVE YOU HARD TIME, don't help you at all to find solutions, you have to pay for your medications/ prescriptions and you still have to deal with that. I have something in my breast that its been bothering me, I did 2 ultrasounds where it can be appreciated an abnormal tissue, my Doctor send me a MRI to find out precisely what I have due I feel pain, hurst. - Is not a pleasure to be in the doctors/ doing exams, etc trying to find out what cause you pain/ hurts. It's your health and you must need to search all options and discard anything bad. Oscar denied my MRI "due enough evidence" but still I went to do it. On the MRI's results, says that I have a mass of more that 5 cms.
I submitted a copy with ALL evidence and request a claim to refund of the cost of MRI. It's been 3 months with the same argument, 'wordplay', 'ping pong's game' that nobody assumes the responsibility and give a fundamental answers based on my results of my MRI. It's incredible that they simply don't care at all about their members necessities.

Make sure you dont need a big authorization, you will never get it . I was doing my infusion which was authorized by them and they canceled it stating its too expensive , I didn't complain when their insurance rate went up . I am definitely leaving them , my Dr submitted multiple request for treatment and they denied it. Hate their ASS. Wish I could give zero stars

The most disgusting health insurance company and no accountability!

We finished our taxes over a month ago but we hadn’t received our 1095B form from Oscar’s+cigna. I called them and updated address etc and they promised I have it a week later. After a week no form in the mail, they can’t email it to you or send it to your portal(FOR WHAT STUPID REASON I HAVE NO IDEA). When I call back the next agent says it will take two weeks and we can’t contact Cigna to expedite it!! Wtf? Oscar isn’t allowed to contact Cigna, are you joking!? Another two weeks go by and no form. I call back again and demand it be sent to my portal as taxes are due the next day. Agent again states that they can’t contact Cigna directly and we have to wait for them to respond and I’ll call you in the am. Morning goes by and no call back. I call again and the agent see all the notes and tries to contact Cigna again to no avail. I ask for a supervisor, he’s on the phone, so he will call me back when he’s done. Well, John H. the supervisor never calls me back nor does he call the next day! So now I have to file an extension because these idiots can’t send me a simple form over the course of a MONTH! THEY TAKE $15,000 a year from me AND THEY DONT HAVE THE COURTESY TO SEND THE FORM OR RESPOND OR CALL BACK THEIR CUSTOMER WHO NEEDS A SIMPLE TAX FORM! If they’re not capable of this then who the hell would trust them with insurance of my family’s health? Sure as hell not me! So thank you John H., I’ll be taking my $15,000 and spending on a company that is organized and follows through! Not some bureaucratic dumpster like Oscar+Cigna that shows complete disdain for their customers and completely fails to do their due diligence. WHAT IF I NEEDED AN APPROVAL FOR A SERIOUS OR LIFE THREATENING SURGERY, ARE THEY GOING TO TELL ME I HAVE TO WAIT AND SEE IF CIGNA RESPONDs? What a joke of a company. IF YOU VALUE YOUR FAMILYS HEALTH AVOID THIS COMPANY AT ALL COSTS!

In regards to their response: The issue had been “escalated” three times already! It’s now May 1st and I still haven’t received it! You’ve already proven that emails and phone calls and message don’t work so thanks for the pre scripted generic useless reply, it’s exactly what a company like yours does. You fake like your responsive to look good on TrustPilot and then you brush it under the rug to let someone else deal with the problem so it never gets resolved! Pathetic!